Call reports 2005
PROSPERAN BANK — 2005
What PROSPERAN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 154,615,000 | 155,408,000 | 167,640,000 | 174,816,000 |
| Total loans | 123,187,000 | 128,120,000 | 139,639,000 | 146,631,000 |
| Allowance for loan losses | 963,000 | 1,119,000 | 1,164,000 | 1,388,000 |
| Securities available for sale | 15,046,000 | 12,566,000 | 11,488,000 | 11,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,603,000 | 137,775,000 | 140,432,000 | 151,366,000 |
| Interest-bearing deposits | 116,393,000 | 114,674,000 | 116,265,000 | 123,037,000 |
| Noninterest-bearing deposits | 21,210,000 | 23,101,000 | 24,167,000 | 28,329,000 |
| Equity capital | 12,230,000 | 12,487,000 | 15,298,000 | 15,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,282,000 | 4,783,000 | 7,602,000 | 10,638,000 |
| Interest expense | 744,000 | 1,578,000 | 2,492,000 | 3,580,000 |
| Net interest income | 1,538,000 | 3,205,000 | 5,110,000 | 7,058,000 |
| Noninterest income | 209,000 | 560,000 | 744,000 | 1,012,000 |
| Noninterest expense | 1,362,000 | 2,861,000 | 4,217,000 | 5,661,000 |
| Provision for loan losses | 36,000 | 190,000 | 276,000 | 760,000 |
| Pretax income | 349,000 | 714,000 | 1,357,000 | 1,645,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 7,000 |
| Net income | 342,000 | 707,000 | 1,350,000 | 1,638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,290,000 | 12,510,000 | 15,356,000 | 15,637,000 |
| Total capital | 13,253,000 | 13,629,000 | 16,520,000 | 17,025,000 |
| Risk-weighted assets | 126,253,000 | 130,277,000 | 142,674,000 | 148,891,000 |